Search found 999 matches

by iamlucky13
Fri Oct 19, 2018 1:25 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 50
Views: 4889

Re: Jury duty - already booked vacation

2. While illegal, my then-boss made it clear that she considered me a waste of space, because “any idiot can get out of jury duty.” It was easier to just get a new job than talk to her about civic duty. I was curious if anything interesting came up in the dozens of comments that followed the OP sta...
by iamlucky13
Thu Oct 18, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: unlicensed repair guy possibly spent our material deposit
Replies: 25
Views: 2574

Re: unlicensed repair guy possibly spent our material deposit

What could the OP have done differently to have avoided the problem? I believe there are many fine such folks, by the nature of the business, that are faced with cash flow challenges. Maybe (?) the OP could have purchased the needed material, but that might only work for some kinds of supplies/mate...
by iamlucky13
Tue Oct 16, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: White LED Christmas Lights
Replies: 7
Views: 872

Re: White LED Christmas Lights

By bright white, do you mean a "cooler" tone (some may describe as bluer) than the typical "warm" (some may describe as yellow or orange) hues of incandescent lights? Unfortunately, unlike light bulbs, I don't recall ever seeing a single LED Christmas light maker publish a color temperature figure o...
by iamlucky13
Fri Oct 12, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Crawlspace flooding issues - builder liable?
Replies: 16
Views: 1041

Re: Crawlspace flooding issues - builder liable?

Flooding in the crawlspace during a hurricane or other very high precipitation storm does not necessarily concern me. If it doesn't drain away within a few days of the storm, or happens during regular rain events, it does concern me. I believe code requires 6" slope for the first 10 feet around the ...
by iamlucky13
Thu Oct 11, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: 1.5 liter wine
Replies: 52
Views: 11382

Re: 1.5 liter wine

Agreed. Boxed wines can be a really good value. Because the bag doesn't let much air in, they keep longer after opening, too.

10 years is a quite vintage for a discussion thread.
by iamlucky13
Thu Oct 11, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7113

Re: My life saved by New subaru. Almost died.

A few years ago I asked my friend, a vehicular homicide detective, what the safest cars out there were. He told me to get the heaviest vehicle I could afford, and the laws of physics were the best safety feature. The Insurance Institute for Highway Safety researches this topic to help insurance com...
by iamlucky13
Thu Oct 11, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7113

Re: My life saved by New subaru. Almost died.

Ugh...I hate that situation, tech or no tech. Forced to a sudden stop and you glance back to see cars coming up fast behind you. It happened to me once when somebody made a rather sudden stop to wait for a chance to make a left turn on a busy 2-lane highway. I was paying attention and didn't have mu...
by iamlucky13
Thu Oct 11, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: tablet or small laptop for general and travel computer?
Replies: 41
Views: 2183

Re: tablet or small laptop for general and travel computer?

I spent a bunch of time on a similar decision not too long ago, including I'm sure over an hour playing with the display models at Best Buy. I think any of these options can be quite reasonable, but my personal preferences led me to an ultra-thin 13" laptop (Lenova Yoga) for the larger, more ergonom...
by iamlucky13
Thu Oct 11, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4682

Re: Keep a backup hot water heater?

If you change the anode in the tank every 5 years, or so, you will increase its life substantially. +1 If others of about the same age are failing near you, now is the time to change the anode. Less than $50, less than an hour of time. If others are failing, and the anode has not previously been ch...
by iamlucky13
Thu Oct 11, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: Index-ish fund that lacks FAANG?
Replies: 45
Views: 4669

Re: Index-ish fund that lacks FAANG?

So call it what you will, it's still a case of the individual investor believing they know more than does the market; in other words, it's stock picking. The so-called FAANG stocks are a major portion of the market, and a major portion of the income-producing economy of the US. Why would you not wa...
by iamlucky13
Wed Oct 10, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 4870

Re: You know you’re a Boglehead when. . .

I just had to put this recent event that happened to me in my life. After 23 years at the same company, they outsourced several departments (including mine). The good news is I was hired by the outsourcing firm, but in 6 months will get a salary cut which I can live with. While most of my co-worker...
by iamlucky13
Wed Oct 10, 2018 5:46 pm
Forum: Investing - Theory, News & General
Topic: Any natural hedges to stocks?
Replies: 17
Views: 1665

Re: Any natural hedges to stocks?

What prompted the tweet? Did the Dow drop 600 points today or something? Should I be unsettled by this one day drop? I'm asking rhetorically, but I suppose there is a legitimate Bogleheads take on the question focused on time frames that Bogleheads are actually interested in. Cash - A dollar is alwa...
by iamlucky13
Tue Oct 09, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: Where is that value premium?
Replies: 57
Views: 4061

Re: Where is that value premium?

THAT is interesting and data I've never seen before..... I actually hadn't either, but when you raised your point, I had a suspicion I might see a graph like that if anybody had published such data. I found that article and graph almost instantly, and quite a few others that were similar. Most of t...
by iamlucky13
Mon Oct 08, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: Where is that value premium?
Replies: 57
Views: 4061

Re: Where is that value premium?

Will the 'small' part persist given the massive decline in the number of publicly traded companies, most of them small? As Bogle points out, we used to have the Wilshire 5000 index....no longer. Less than 4,000 publicly traded companies now. It's rather hard to even guess since as a starting point ...
by iamlucky13
Sat Oct 06, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 29
Views: 2889

Re: Garage Shelving?

It's hard to beat the price of the 2x4 and plywood/OSB style homemade shelving.

If you're not the DIY type, look also at your local home improvement stores. Costco isn't automatically the best value.

That said, $250 for a well made set of 2' x 8' shelves is a pretty respectable price, in my opinion.
by iamlucky13
Sat Oct 06, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 10
Views: 1232

Re: Radon

Whether it is likely to be an issue varies by region, but clearly you were in a region where it would have been wise to test. That's quite a high level, especially for a bedroom, and well worth the cost of addressing. Be aware you will still likely see your levels vary throughout the year, and even ...
by iamlucky13
Fri Oct 05, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: A little blip - and the media goes crazy
Replies: 16
Views: 2255

Re: A little blip - and the media goes crazy

I didnt go looking for this info, but a little drop and the media circus starts again. Warning of 30 no 40 no 70 percent drop in stocks just around the corner. Has it always beeen like this? Or has social media made it worse? Which media? The sort of sensationalism I normally see in the mainstream ...
by iamlucky13
Wed Oct 03, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Dentist bill came 4-5 months later, is this unreasonable?
Replies: 28
Views: 2207

Re: Dentist bill came 4-5 months later, is this unreasonable?

Yes, it is very unreasonably delinquent, but many things are unreasonable about health care billing practices, and unreasonable is not the same as invalid, in case that was part of your question. Just make sure they aren't charging you any late fees etc. If they are, you'll probably have to take it ...
by iamlucky13
Wed Oct 03, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Sconces, fixtures without replaceable bulbs/LEDs
Replies: 14
Views: 784

Re: Sconces, fixtures without replaceable bulbs/LEDs

In addition to the heat challenges (as well as space to package reliable electronic drivers) that custom designed, integrated fixtures can help alleviate, replaceable bulbs are under tighter price pressure, due to direct competition, than integrated fixtures are. My main hesitation with integrated L...
by iamlucky13
Tue Oct 02, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 73
Views: 9565

Re: General Electric

Son just got an on campus interview with GE. I warned him....they may not be able to pay you. New CEO has a solid track record. Comes from Danaher which is like an under-the-radar Berkshire Hathaway. Based on limited observation from indirect ties to Tektronix, my impression is Danaher will stay un...
by iamlucky13
Tue Oct 02, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10632

Re: SEC charges Musk with Fraud!

Tesla is in at least some total stock market funds, including Vanguard's, but it is not in the S&P 500.
by iamlucky13
Tue Oct 02, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Why does Vanguard reccomend 60:40 US:International ratio?
Replies: 52
Views: 7655

Re: Why does Vanguard reccomend 60:40 US:International ratio?

Many of Vanguard's white papers are worth reading in order to better understand common recommendations like this. Here's one: https://personal.vanguard.com/pdf/icriecr.pdf It's from 2012, but I don't expect the picture changes radically if it were to be updated. They see most of the benefit to volat...
by iamlucky13
Tue Oct 02, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: city water sewer vs well septic
Replies: 36
Views: 2348

Re: city water sewer vs well septic

No one has discussed what I think is the big issue, at least in my suburban area that has a mix of well/public water and septic/sewer: marketability of the home...But apples to apples: same size lot, same size house, same location - in my area well+septic is probably going to be $10K less than if p...
by iamlucky13
Mon Oct 01, 2018 9:30 pm
Forum: Investing - Theory, News & General
Topic: Will size and value factor premia still exist in 20-30 years?
Replies: 13
Views: 1139

Re: Will size and value factor premia still exist in 20-30 years?

I can't make a compelling case for it, but I am inclined to think that smaller companies will continue to be more difficult to accurately value than large companies, and that stocks without eye-catching fundamentals, but that are stable will be underappreciated by the market more often than they are...
by iamlucky13
Mon Oct 01, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: city water sewer vs well septic
Replies: 36
Views: 2348

Re: city water sewer vs well septic

Don't decide on sewer vs. septic first. Find a house you like, then evaluate the expected cost to decide if it affects what you're willing to pay. If it's well and septic system, it would be advisable to have them inspected by a qualified driller and a septic installer as part of your inspection con...
by iamlucky13
Mon Oct 01, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5960

Re: Oil change interval for low-mileage vehicles

I do every 5000 miles (and put about 4000/year on my car). I did follow the manual when it was under warranty. I'm amused by the people who are so adamant about "follow the manual" even for a car that's not under warranty... my model year of Subaru says every 7500 miles or 7.5 months. The next mode...
by iamlucky13
Mon Oct 01, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: New Homeowners - Paint first or fix hard wood floors first?
Replies: 15
Views: 1234

Re: New Homeowners - Paint first or fix hard wood floors first?

Painting goes more quickly and is usually less disruptive than refinishing or replacing flooring. I'd do the flooring first so you can start to get settled in. A counterpoint could be drawn from the debt snowball - repainting can make the home feel nicer more quickly, giving you an easy victory befo...
by iamlucky13
Mon Oct 01, 2018 2:53 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10632

Re: SEC charges Musk with Fraud!!!

80,000 cars manufactured in current quarter. They are struggling to deliver them. Whatever one thinks of Tesla that is an impressive number. I know a few who are still waiting to get an email. For reference, Mercedes sells 90K in a quarter. BMW 70-75 and Audi 50K. I hope, Elon will keep this behind...
by iamlucky13
Mon Oct 01, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10632

Re: SEC charges Musk with Fraud!!!

Wow! That was fast. Thursday lawsuit. Saturday settlement. The fine was about what I expected - trivially small (about 3 days worth of Tesla's cash burn each from Tesla and Musk). Musk can't be chairman for 3 years, but it sounds like he can still be on the board, and remain CEO, if I understand the...
by iamlucky13
Fri Sep 28, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10632

Re: SEC charges Musk with Fraud!!!

At this point, I'm pretty skeptical he will be barred from running Tesla, but I do expect him to pay a decent sized fine. The SEC offer did not bar him from running Tesla, he would have remained CEO and would have had to pay a modest fine, give up the chairman position for a few years, and appoint ...
by iamlucky13
Fri Sep 28, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10632

Re: SEC charges Musk with Fraud!!!

* SEC is trying to strip Musk of his job - Clearly the SEC is being extremely aggressive. However, lawyers pretty much always ask for the moon. I have yet to see any way in which asking for the moon costs them anything, whereas it strengthens their position for settlement discussions. That the SEC ...
by iamlucky13
Fri Sep 28, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: Friend got back to me after my advice
Replies: 18
Views: 3848

Re: Friend got back to me after my advice

Interesting that she didn't know how her money was invested. Does this mean she never discussed this with her advisor? I could definitely see that. Had I been advised by a family member or other trusted source to get a financial adviser to manage when I entered the workforce, I don't think I would ...
by iamlucky13
Fri Sep 28, 2018 12:47 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10632

Re: SEC charges Musk with Fraud!!!

One takeaway I had....Avoid stocks where the CEO is a prolific social media user. I would apply that to more than just stocks and CEO's. Please note, I don't mean that in a pointedly political way, so let's not get off track. I mean quite generally that social media tends to be well-suited for casu...
by iamlucky13
Fri Sep 28, 2018 12:43 am
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10632

Re: SEC charges Musk with Fraud!!!

It is* a constituent of Vanguard TSM, for example. How much will this affect TSM? Page 6: https://investor.vanguard.com/mutual-funds/profile/portfolio/VTSMX/portfolio-holdings It looks like you could lose as much as 0.13% on TSM if Tesla collapses. * Edited to fix typo. Previously read "not a consti...
by iamlucky13
Thu Sep 27, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Framing concerns for new construction/custom build
Replies: 16
Views: 1641

Re: Framing concerns for new construction/custom build

Several trusses were split in half. They were repaired by adding new supports and a structural engineer signed off on the repairs. .... I am paranoid that due to the economy, and the increase in prices for raw materials, that the wood being used is not good quality and we will pay the price years d...
by iamlucky13
Thu Sep 27, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10632

Re: SEC charges Musk with Fraud!!!

Not surprised, but will the SEC suit really affect Tesla that much? 11% down in after hours. So I would say the market believes it will affect Tesla. The nature of the market with individual securities is never calm rationality. The adage that 'markets can stay irrational longer than you can stay s...
by iamlucky13
Thu Sep 27, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10632

Re: SEC charges Musk with Fraud!!!

Not surprised, but will the SEC suit really affect Tesla that much? First of all, it is specifically against Mr. Musk, and Tesla so far is not a defendent of this or a related case: https://www.sec.gov/litigation/complaints/2018/comp-pr2018-219.pdf Secondly, unless the investigation has turned up mu...
by iamlucky13
Thu Sep 27, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Riding lawn mower repair help?
Replies: 8
Views: 1170

Re: Riding lawn mower repair help?

Which housing is spinning? A cover over the PTO clutch? Look at the housing and mounting bolts to inspect for damage. Does the part you think is spinning inappropriately look like anything seen in the diagram here (as a fairly generic example): https://www.green-parts-direct.com/john-deere-parts-dia...
by iamlucky13
Fri Sep 21, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 36
Views: 2556

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

The only thing I"ll be buying on black friday is takeout so I can stay home. No leftovers to eat? Some years I look at a few of the ads. Some years I don't. The trend in recent years seems to be a 50/50 chance of good deal on product I am actually intending to buy. Usually, there are really good de...
by iamlucky13
Thu Sep 20, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: Are We Headed For A Passive Index Meltdown?
Replies: 60
Views: 9349

Re: Are We Headed For A Passive Index Meltdown?

I expect this will be a perennial topic. It's arguably a worthwhile discussion, at least academically. But I'm not really seeing much of value to discuss in this particular article. - Active investors play an important role in valuing the market. - Indexing approaches don't necessarily capture the l...
by iamlucky13
Thu Sep 20, 2018 1:02 pm
Forum: Investing - Theory, News & General
Topic: Why are there so few long-term investors?
Replies: 18
Views: 2916

Re: Why are there so few long-term investors?

Why are there so few long-term investors? Most funds and ETFs have such great turnover. After Warren Buffett you would be hard pressed to think of the next big long term investor. Jack Bogle? Who are the big short term investors on your mind? I guess Carl Icahn fits. I don't personally know of othe...
by iamlucky13
Wed Sep 19, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 785

Re: New microwave or seek service options?

Good job! My last microwave issue didn't turn out as well - I originally thought I had traced it to a bad relay, and ordered the part for ~$5, planning to solder it in. Then I did some more troubleshooting and realized it was the control board itself that was bad. I couldn't find that part for less ...
by iamlucky13
Wed Sep 19, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5482

Re: State Farm nickel-and-diming me

If you want perfection then pay $135. I dont think the insurance company should pay for prior wear and tear and everyday use. By the way, why are you convinced that whatever bodyshop says is right? They will try to upsell. It doesn't sound like the OP expects them to pay for wear and tear either. B...
by iamlucky13
Tue Sep 18, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: How to tell if computer update notice is legit
Replies: 8
Views: 1175

Re: How to tell if computer update notice is legit

Perhaps it's Dell SupportAssist asking to update itself? One might go into "Add Remove Programs" on your computer and look for Dell Branded software. One might also choose to uninstall it to avoid the update notices. I concur with both this suggestion, and running a virus and malware scan. There is...
by iamlucky13
Tue Sep 18, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 854

Re: Honda Lawnmower Warranty Issue

It should not be leaking except in really extreme cases, unless it were an old carburetor with gaskets that are not compatible with 10% ethanol. Do you know that the old Honda engine carb gaskets were incompatible with ethanol, or are you speculating? I ask because I bought my current Honda mower i...
by iamlucky13
Tue Sep 18, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 854

Re: Honda Lawnmower Warranty Issue

the employees stated the repairs were covered under warranty and nothing was owed. The dealer replaced the carburetor and all was well. When I review the warranty, it mentions that carb cleaning is not a covered service, but I don't see any other applicable exclusions. This is an issue between the ...
by iamlucky13
Tue Sep 18, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Is this a potentially dangerous electrical issue that needs to be addressed?
Replies: 19
Views: 2124

Re: Is this a potentially dangerous electrical issue that needs to be addressed?

What are you suggesting the electrical tape for? The outlet should be wired directly or pigtails connected with wire nuts. Side-wire terminals are screws, that are exposed and hot. As an extra layer of insurance, I always wrap the recessed portion of the outlet with electrical tape to cover these t...
by iamlucky13
Tue Sep 18, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Is this a potentially dangerous electrical issue that needs to be addressed?
Replies: 19
Views: 2124

Re: Is this a potentially dangerous electrical issue that needs to be addressed?

Agree that this is an easy and cheap fix. 15-amp duplex outlets cost 48 cents at my local hardware store, and the circuit tester that gd recommended is another $3.49 cents. Add in a roll of electrical tape if you don't have one already and you're at right around $6. What are you suggesting the elec...
by iamlucky13
Tue Sep 18, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Consumer Issue - Storage Unit Rental
Replies: 14
Views: 1197

Re: Consumer Issue - Storage Unit Rental

Do keep in mind that not a legal requirement might not pre-empt it from being a storage company requirement to protect them and their own insurer (at your expense) from liability claims for lost property if something happens. I don't know a direct answer to your question. The lease and the insurance...
by iamlucky13
Tue Sep 18, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: transferring in-kind VPMAX to Fidelity Roth IRA?
Replies: 5
Views: 440

Re: transferring in-kind VPMAX to Fidelity Roth IRA?

When I asked about an in-kind rollover from a Vanguard 401k to a Vanguard IRA, I was told this was not possible. I expect it won't be possible with Fidelity, also. However, my understanding it is the institution (not sure if it's the distributing or the receiving institution) that sets the rollover ...